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myBiz ICICI Bank Business+ Credit Card VS BOBCARD ICSI Diamond Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both myBiz ICICI Bank Business+ Credit Card and BOBCARD ICSI Diamond Credit Card suit travel-focused spenders, but they earn and cost differently. myBiz ICICI Bank Business+ Credit Card costs ₹2,500 + GST and earns 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels. BOBCARD ICSI Diamond Credit Card is lifetime-free and earns up to 5 Reward Points per ₹100 on dining, online & utility bills; 1 RP per ₹100 on others. myBiz ICICI Bank Business+ Credit Card also brings 2 complimentary domestic airport lounge visits per quarter at participating lounges in India, while BOBCARD ICSI Diamond Credit Card counters with 12 complimentary access passes annually (3 per quarter), subject to ₹40k spend from Jan 2025. If travel spending matters more, go with myBiz ICICI Bank Business+ Credit Card; if business is the priority, BOBCARD ICSI Diamond Credit Card fits better.

myBiz ICICI Bank Business+ Credit Card
myBiz ICICI Bank Business+ Credit Card
BOBCARD ICSI Diamond Credit Card
BOBCARD ICSI Diamond Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining FeeLifetime Free
Renewal FeeFree (1st year)
Renewal FeeLifetime Free
Spend Based Waiver
Spend Based WaiverNot applicable as the card is lifetime free.
Foreign Transaction Fees3.5%
Foreign Transaction Fees2% of the total transaction amount.
Interest Rate (APR)3.67% Monthly (44% Yearly)
Interest Rate (APR)3.49% per month.

Rewards & Benefits

Welcome Bonus2500 myBiz Cash, ₹750 off on 7 flight bookings, ₹1500 off on 7 hotel bookings.
Welcome BonusComplimentary 6-month FitPass Pro membership. 500 bonus Reward Points on spending ₹5,000 or more within 60 days.
Rewards RateEarn up to 4 myBiz Cash per ₹200 on myBiz app/website bookings; 1.25-1.5 myBiz Cash on other spends.
Rewards RateEarn 1 RP on every ₹100 retail spend; 5x RP on dining, online, utility bills (capped).
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
Domestic Lounge Access12 complimentary domestic airport lounge accesses annually (3 per quarter).
International Lounge Access1 complimentary visit per year to an international airport lounge.
International Lounge Access
Travel BenefitsDiscounts on flights/hotels, no booking/rescheduling fees, complimentary meals on domestic flights via myBiz.
Travel Benefits12 complimentary domestic lounge accesses annually; reduced 2% forex markup fee.
Movie Benefits
Movie Benefits
Dining Benefits
Dining BenefitsEarn 5x Reward Points on dining spends (capped at 1000 RP/cycle).
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% surcharge waiver across all petrol pumps
Fuel Surcharge Waiver1% waiver on fuel spends between ₹400-₹5,000, capped at ₹250 per month.

Security & Other

Insurance Benefits
Insurance BenefitsAir accident death cover (₹15L), non-air accident death cover (₹5L), professional indemnity (₹5L).
Cash Advance Charges2.5% or a minimum of ₹300
Cash Advance Charges2.5% (min ₹300) domestic; 3% (min ₹300) international.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

myBiz ICICI Bank Business+ Credit Card

BOBCARD ICSI Diamond Credit Card

Who is it for?

The myBiz ICICI Bank Business+ Credit Card is an affordable business credit card specifically designed to cater to business and travel requirements. It offers a competitive reward rate on travel, complimentary airport lounge access, and discounts on travel bookings. Ideal for businesses that frequently book travel, it comes with no renewal fees after the first year, making it a cost-effective choice for corporate travel management.

Who is it for?

The BOBCARD ICSI Diamond Credit Card is an exclusive, lifetime-free credit card designed for active ICSI members. It offers accelerated 5x rewards on dining, online, and utility spends, along with 12 complimentary domestic airport lounge accesses annually. With a low 2% foreign currency markup and comprehensive insurance, this card is ideal for professionals seeking strong rewards and travel benefits without annual fees.

Pros

Key benefits and features.

Enjoy a one-time joining fee with no renewal charges from the second year onwards.

Earn high rewards and accelerated myBiz Cash on all travel bookings via myBiz MMT.

Benefit from complimentary access to both domestic and international airport lounges.

Pros

Key benefits and features.

Lifetime free card with zero joining and annual fees, offering great value.

Accelerated 5x Reward Points on dining, online, and utility bill payments.

Enjoy 12 complimentary domestic airport lounge accesses annually for travel convenience.

Reduced foreign currency markup of 2% makes international transactions more affordable.

Comprehensive insurance coverage provides financial security for cardholders.

Cons

Key drawbacks and limitations.

Benefits are largely concentrated on myBiz MMT travel bookings, limiting broader utility.

A foreign currency markup of 3.5% applies to international transactions, increasing costs.

A redemption fee of ₹99 is charged for converting myBiz Cash, reducing overall value.

Cons

Key drawbacks and limitations.

5x accelerated rewards are capped at 1000 Reward Points per statement cycle.

Complimentary lounge access will become spend-based from January 1, 2025.

No Reward Points are earned on fuel transactions, limiting benefits in this category.

UPI transactions only earn core Reward Points, missing out on bonus rewards.

Card is exclusively available only for active members of The Institute of Company Secretaries of India.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for myBiz ICICI Bank Business+ Credit Card(opens in new tab)Apply for BOBCARD ICSI Diamond Credit Card(opens in new tab)